Monthly car insurance
Cover in no time
Takes less than 60 seconds!
Why choose Covertime?
Do everything online
Insure only for the time you need
Comprehensive cover
Docs available immediately after purchase
Protect existing No Claims Discount
Cover from one hour to 28 days
Get on the road in minutes
Quick and flexible
Everything you need to know about monthly car insurance
You can get a monthly car insurance policy for up to 28 days.
With flexible, faff-free options you can drive with peace of mind, knowing you're protected for exactly the time you need, it's great for drivers who like to keep things flexible.
Whether you're borrowing a car, lending a car or simply need insurance for the month on a car you don't drive very often, a monthly car insurance policy gives you more options to easily get out on the road.
Monthly car insurance is a simple way to get insured to drive in many situations:
Bridging a gap in annual coverage
Travelling for work
Borrowing someone else's car
Driving a car you don't use very often
A nice long staycation
Our monthly policies are comprehensive
What is covered?
Damage to the car you're driving
Theft or attempted theft
Fire damage
Third party: damage to other vehicles / property / injury to others
What isn't covered?
More than one driver on a temporary policy
Delivery, courier or taxi work
Theft or damage due to neglect; such as leaving the car unlocked
Wear and tear; claims relating solely to the damage of glass (windscreen repairs)
How to get monthly car insurance
The good news is, getting weekly car insurance online is simple and only takes a few minutes.
We don't waste our time or yours with a long set of never-ending questions. We only ask you the information we absolutely need to get you covered and let the technology do the rest behind the scenes.
Need cover instantly? No problem... just select that you’d like your cover to start right away and it usually only takes a few minutes to get you set up and on the way.
If you’re super organised and are setting up monthly cover in advance, you can do this by selecting the exact date and time you’d like your cover to start up to 30 days in the future.
1
Just let us know the vehicle reg and a few details about yourself
2
Then we need to know when you need the cover and how long for
3
Get your quote, check the terms, choose how you want to pay and you're off!
Who needs monthly car insurance?
Monthly cover is a convenient option for drivers who like a little flexibility in their lives.
You may be borrowing someone else's car for a month, or needing to travel the UK on a business trip. It could also be that you've recently bought a new car and you need to bridge a month-long gap until your annual cover kicks in. Monthly car insurance is also convenient to set up if you have family coming to visit who may want to drive your car to run errands or share the driving responsibilities with you.
Whatever the reason, being able to take out monthly car insurance for a month can be extremely useful.
Who is monthly car cover suitable for?
Personal use
Ages 21-75
Full UK licence holders
Vehicle value from £1,500 to £65,000
*Other terms and conditions apply.
How much does monthly insurance cost?
Monthly car insurance is a smart way to keep costs down if you're only looking to insure a car for around 28 days, because you're only paying for what you need.
The cost of car insurance by the day will depend on a few factors:
about you | your car | when you need it to start | how many days you're planning to be out on the road.
Our monthly car insurance quote process is super quick and will only need a few details, these are then used to calculate your hourly insurance premium:
- How long you need it for: The length of time you need insurance will impact the price
- The car you're driving: The make, model, power and cost of the car you want to insure could affect the cost of your cover
- You and your licence: Your driving experience will also play a factor in your hourly insurance premium
How can you get the cheapest monthly insurance?
To get the cheapest monthly car insurance, make sure you only purchase cover for the exact amount of time you need.
Car insurance for a month allows you to insure yourself at the exact time you need to start driving and set it to end when you need it to.
Choose from as little as one hour all the way up to 28 days. When you get a quote, you can use the slider to change your cover duration to make sure you’re getting the best value for the time on cover you need.
Do everything from your phone easily & quickly
Monthly car insurance
Takes less than 60 seconds!
Benefits of monthly short term insurance
Choose your time
You can now choose how long you need cover, whether it's one week or two - why pay for more?
Comprehensive cover
Our weekly car cover protects you, your passengers, your car as well as other people, vehicles and property.
Great for new car purchases
Sort out insurance for a new car on a weekly basis, quickly and easily, from wherever you bought your new vehicle.
Quick, easy and affordable
Covertime is proudly faff-free! Get a quote quickly and keep costs to a minimum.
Pay securely and easily
Monthly car insurance FAQs
If you're after car insurance for just a month, then it's possible with our temporary insurance for 28 days.
You can take out a comprehensive car insurance policy with Covertime for an hour, a week, two weeks and even up to 28 days if that's what you need. You get to decide how long you need cover and not commit to a minute more than necessary.
When you take out monthly car insurance with Covertime you'll always know the date, time and how long you're covered for.
As soon as you've purchased your monthly insurance policy, we'll send you a policy confirmation email which contains a link to access and download all of your policy documents. This email and those documents will tell you absolutely everything you need to know about your weekly car insurance cover.
We’ll also send you a reminder before your cover is about to expire, so you’ll never be caught out without your insurance in place.
If you’re borrowing someone else’s car, it is a legal requirement to make sure you are correctly insured.
Even if their car is insured already, that doesn’t mean that you are personally insured to drive it, and the same principle applies if you already have a car insurance policy in place – you shouldn’t assume you’re covered to drive someone else’s car.
Make sure you know what's covered on your annual policy by reviewing your policy documents. Whilst some comprehensive annual policies can provide DOC (Drive Other Cars) cover, this is not always the norm and does often come with a few caveats.
Temporary or short-term car insurance can be a simple and often cost-effective way to get insured to drive someone else’s car for a week.
If you're looking to borrow the car for a short period of time or just a one-off, temporary car insurance is fully comprehensive, and it won’t affect your no claims bonus which is certainly a bonus in itself!
At the moment our policies cannot be extended and do not renew. Don't worry though, we won't stand between you and the open road - you can purchase a new policy for another month or just a few more hours by getting a fresh quote anytime, for however long you need it.
Our temporary car insurance policies do not currently include breakdown cover.
You are entitled to cancel your policy at any time.
You can cancel your policy by getting in touch with our team, either via our Live Chat or you can email us at [email protected].
It's important to bear in mind though that, unlike annual insurance, short period insurance policies of less than one months’ duration are not subject to the 14-day cooling off period. This is in line with the rules set by the Financial Conduct Authority (FCA).
Our refund policy is dependent on whether the cover has started.
Policies not yet started - if you let us know before the policy starts and ask us to cancel your policy, you may be entitled to receive a full refund. Please contact us as soon as possible and our team can look into this for you.
Policies where the cover has started - if you contact us after the policy has started and the cover is in force, whilst we can cancel the policy for you there will be no refund due to you. This is highlighted to you before you purchase the policy.
Absolutely! One of the convenient advantages to monthly car insurance is that it protects your existing No Claims Bonus, as well as the owner of the car your borrowing.
As long as your have the driver's permission, you can absolutely use monthly car insurance to borrow a car.
Did you know?
Driving other cars using an annual policy usually only insures you for Third Party claims, meaning damage to the car you are driving is not covered.